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    TechTalk

    Expert commentary and analysis on market developments. Plus guidance on identifying planning opportunities.

    In this techtalk

    See how your business could benefit as our Financial Planning team
    looks at a range of topics on protection.

    Techtalk

    MORTGAGE PROTECTION BREAKTHROUGH: NEW WELFARE DISREGARDS

    An explanation of the DWP’s commitment to disregard some protection insurance benefits used to pay mortgage interest and capital for Universal Credit means-testing.

    MORTGAGE BENEFIT REFORM AND THE NEED FOR A PLAN B

    DWP loans replaced support for mortgage interest benefit from April 2018. We explain the new rules, which can prompt reviews of mortgage clients’ protection needs.

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    UNDERWRITING – RISK SELECTION NOT AVOIDANCE

    An introduction to protection insurance underwriting history and current practice.

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    TRUST BASICS: BARE, DISCRETIONARY, FLEXIBLE AND SPLIT

    A round up of useful trust basics – applicable to both family protection policies and investment bonds set up in trust.

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    RESIDENCE NIL-RATE BAND: TAPERING, TRANSFERABILITY AND TRUSTS

    This article looks at valuing the estate for tapering plus the role of lifetime gifting and the interaction of tapering and the transferability provisions.

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    CHANGES TO BEREAVEMENT BENEFITS

    A detailed look at the bereavement benefit reforms that came into effect on 6th April 2017.

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    MENTAL INCAPACITY: WHO’S CONTROLLING YOUR CLIENT’S AFFAIRS?

    A review of the role of lasting powers of attorney, deputyship orders, and their equivalents in Scotland and Northern Ireland in financial planning.

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    ACCESS ALL AREAS

    The role of the new DWP Champion Access to Insurance Working Group in improving access to protection for people living with chronic conditions and disabilities.

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    IHT TAPER RELIEF AND PROTECTION

    A detailed look at the operation of PETs, CLTs and taper relief and how a tax liability can be covered with a protection policy.

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